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Saw the pictures on Instagram a few days ago, sucks to see but at least you are keeping your head up and already have plans for a new car.

This makes me want to call my insurance company again and ask about coverage. I had contacted them a few months back and they told me much the same thing, that it is covered. But, now I wonder exactly what they mean. Which insurance company?

When we recently re-did our policies (my wife swapped to a different vehicle which prompted the update), I inquired about coverage on my vehicle for the aftermarket stereo/electronics. At a coverage of $10k I think the extra monthly payment amount went up about 7 bux. I said- absolutely.

Now that you've had this issue though Andy, I'm going to have to double check to ensure that everything is all set up properly for correct coverage.

it wont be covered. it will be under the "value of the vehicle as the market in your area based on other cars of that nature have sold recently" and all they'll do is tick the box that says "premium stereo" on the evaluation - oh its covered, see? we ticked the box that said premium instead of not ticking it!!! that means that you get an additional $47.

yeah, im pissed about it. I need to call them again.

make sure you get additional coverage on the actual equipment and receipts of it all if you got them.

Saw the pictures on Instagram a few days ago, sucks to see but at least you are keeping your head up and already have plans for a new car.

This makes me want to call my insurance company again and ask about coverage. I had contacted them a few months back and they told me much the same thing, that it is covered. But, now I wonder exactly what they mean. Which insurance company?

Chances are, it isn't. Make sure you are clear on the value. Most people contacting them about stereos probably have a $100 Sony in the dash and maybe some $50 coaxes.

If they insist that your stereo with several thousand dollars worth of equipment (not including labor) is covers, then I would suggest that you insist that they show to you in writing that it is covered as a part of your policy. Otherwise, be prepared for... "Here is your additional $47, sir."

Saw the pictures on Instagram a few days ago, sucks to see but at least you are keeping your head up and already have plans for a new car.

Quote:

Originally Posted by req

I had called in the past and asked for a rider or something along those lines and they said that my stereo would be covered in the case of theft of a total loss situation. now that it has happened, they just want to check the box "premium sound" and that entitles me to $47 more on the payout. I was told in the past when I inquired that "as long as it is bolted to the car it will be covered". they did not tell me that "covered" meant $47.

This makes me want to call my insurance company again and ask about coverage. I had contacted them a few months back and they told me much the same thing, that it is covered. But, now I wonder exactly what they mean. Which insurance company?

thanks for the kind words guys. the whole thing still hurts, and its still settling in.

im still dealing with insurance, and they want to be stingy about it. I had called in the past and asked for a rider or something along those lines and they said that my stereo would be covered in the case of theft of a total loss situation. now that it has happened, they just want to check the box "premium sound" and that entitles me to $47 more on the payout. I was told in the past when I inquired that "as long as it is bolted to the car it will be covered". they did not tell me that "covered" meant $47. so im trying to get them to change the assessment from 'part of the car as a total loss' to 'personal property' that was inside the vehicle that was damaged. but somehow I doubt they give a shit.

anyway, I got the engine running last night. im sure there's lots of electrical issues to dig up - but I have another vehicle in the works that I will be picking up after Columbus day.

I don't know how quickly I will be digging into it. but I guess ill start a new build log.

It sucks having to go through a loss like this and then having to fight an insurance company, YOUR insurance company, on top of it. My wife works in insurance, but doesn't deal with auto. Another branch of her company does though. Her advice is that any custom parts, whether stereo, wheels, interior, engine, etc. worth over $1000 should have special coverage. (All of ours do.) Despite what your agent told you, and as you are learning, it really is necessary if you expect it to be covered in the case of a claim.

I sent her links to your post and she thinks you actually have a pretty good case. Because you had previously spoken to the company about the additional coverage and they convinced you it wasn't necessary, they should cover as if you did have the added coverage. And that means replacement value, not $47.

A good agency should take care of you. Unfortunately, you have an agent that gave you bad advice. Hopefully it doesn't become an issue of he said, (s)he said. Most independent agencies would just cover the cost out of pocket to avoid issues with you as their client or the insurance carrier.

Yeah. Its twisted how that shit works and they didn't lie. Its covered. Here's your 50$ enjoy. Don't spend it all in one place. That's a shame man.

Was it a totally loss or can you save some parts?

Sent from my A0001 using Tapatalk

yea it was a total loss as far as the title is concerned - but the car isn't ruined. the carpets and the seats and that sort of stuff is most likely toast, but the chassis\engine\transmission seem to be ok, but its going to need a new wiring harness and some modules. the airbag module seems to be done. the fan control module is going crazy. the alternator might be done. the serpentine idler and tensioner seem done. stuff like that. but I might pull the engine\trans and get them taken apart and refurbished and put back together with some performance stuff and have a brand new engine\transmission ready for my new car, so its not a TOTAL loss - just a huge one. hundreds of hours of loss.

thanks for the kind words guys. the whole thing still hurts, and its still settling in.

im still dealing with insurance, and they want to be stingy about it. I had called in the past and asked for a rider or something along those lines and they said that my stereo would be covered in the case of theft of a total loss situation. now that it has happened, they just want to check the box "premium sound" and that entitles me to $47 more on the payout. I was told in the past when I inquired that "as long as it is bolted to the car it will be covered". they did not tell me that "covered" meant $47. so im trying to get them to change the assessment from 'part of the car as a total loss' to 'personal property' that was inside the vehicle that was damaged. but somehow I doubt they give a shit.

anyway, I got the engine running last night. im sure there's lots of electrical issues to dig up - but I have another vehicle in the works that I will be picking up after Columbus day.

I don't know how quickly I will be digging into it. but I guess ill start a new build log.

I got to hear this awesome v-dub at my first meet ever at NCSQ. Sadly, she's been quieted. Was an awesome car I hope can be saved and brought back from the brink or if it's time, onward to new ventures. Absolutely heartbreaking about the amps and subs as well.

Holy cow man! That's terrible. that act of god covered under your insurance I hope I know that can be a tough one. Damn that's terrible to see.

Is that still the same GTI I heard in 2010? Haven't followed Much of the forums over the yesrs but I know you did allot of work to that car if its the same one. I'm in the middle of my new cars build and that would make me downright cry

There was heavy rain here in VA beach last Tuesday\Wednesday\Thursday. I woke up Wednesday to go to work and I found my car like this. there has never been flooding in the area that I knew about and sometimes I park in the street. Nobody was injured, my house was not flooded as it is one of the higher plots in the neighborhood. Insurance has deemed my GTi a total loss and given me $4500 plus I get to keep my car for the parts and whatnot. The claim did not cover any of the stereo equipment, so I will try to file a home owners claim as well and hope for the best. I got the battery unhooked and the window rolled down, then with the help of some neighbors we pushed the car up my driveway. I missed a day and a half of work due to flooding. I found a new car, we will see how it goes. the engine was never started, we are going to drain the oil and give it a once over tonight before we try to crank it up.

im fairly certain the Arc PS8 DSP and the Mosconi AS200.4 amps were under water most of the night. I don't know about the carPC. the subs have paper cones so I don't know how they will fare in the damp climate they currently live in. ill post more info as I get it.

thanks for the good build log everyone.
-Andy

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